Call reports 2014
COMMERCE STATE BANK — 2014
What COMMERCE STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 317,218,000 | 327,588,000 | 343,605,000 | 353,875,000 |
| Total loans | 257,784,000 | 266,523,000 | 282,310,000 | 294,084,000 |
| Allowance for loan losses | 3,914,000 | 4,016,000 | 4,141,000 | 4,233,000 |
| Securities available for sale | 25,559,000 | 24,832,000 | 24,532,000 | 21,990,000 |
| Securities held to maturity | 684,000 | 663,000 | 652,000 | 640,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 284,134,000 | 293,288,000 | 306,501,000 | 318,990,000 |
| Interest-bearing deposits | 263,606,000 | 270,665,000 | 281,091,000 | 293,315,000 |
| Noninterest-bearing deposits | 20,528,000 | 22,623,000 | 25,410,000 | 25,675,000 |
| Equity capital | 31,577,000 | 31,982,000 | 32,580,000 | 32,653,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,317,000 | 6,709,000 | 10,220,000 | 13,897,000 |
| Interest expense | 642,000 | 1,285,000 | 1,953,000 | 2,648,000 |
| Net interest income | 2,675,000 | 5,424,000 | 8,267,000 | 11,249,000 |
| Noninterest income | 107,000 | 447,000 | 835,000 | 698,000 |
| Noninterest expense | 2,005,000 | 4,278,000 | 6,513,000 | 9,236,000 |
| Provision for loan losses | 91,000 | 276,000 | 676,000 | 676,000 |
| Pretax income | 686,000 | 1,317,000 | 1,913,000 | 2,035,000 |
| Income tax | 229,000 | 445,000 | 630,000 | 697,000 |
| Net income | 457,000 | 872,000 | 1,283,000 | 1,338,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,104,000 | 31,522,000 | 32,186,000 | 32,302,000 |
| Total capital | 34,551,000 | 35,108,000 | 35,933,000 | 36,172,000 |
| Risk-weighted assets | 275,331,000 | 286,481,000 | 299,367,000 | 309,267,000 |
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